An agreed value set and documented in advance, so a total loss actually pays what your restored or collectible car is worth, not a generic market estimate.
Get a quote for Collector CarOwners of classic, restored, or collectible vehicles who don't want a total loss paid out based on generic market comparables that ignore restoration work and rarity.
A restored classic car is totaled in a minor accident, and the standard auto policy pays out a fraction of what the car was actually worth.
Read the full story →Standard auto policies pay actual cash value based on generic market comparables, which ignores restoration work, rare parts, and collector demand entirely.
You and the insurer agree on the car's value upfront, documented with appraisals or records. A total loss pays that amount, not a market guess.
Often yes, since these policies assume limited, collector-style use rather than daily driving. Confirm the specific terms match how you actually use the car.
